U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a travel rewards card offering elevated rewards for travel and mobile wallet purchases. It has a generous sign-up bonus and a ton of travel perks including airport lounge access. The annual fee is high at $400. But you can earn up to $325 in annual statement credits for travel and restaurant purchases which makes the annual fee only $75. Also, your points are worth 50% more when you redeem them for travel. We dive into the details and your approval odds in this U.S. Bank Reserve review.

U.S. Bank Altitude Reserve Visa Infinite Card

Our Rating

4.5/5.0

Welcome Offer

50,000 bonus points

Annual Fee

$400

0% on Purchases

N/a

Reward Rate

1x to 5x points

0% on Balance Transfers

N/a

Welcome Offer

Earn 50,000 bonus points worth $750 in travel when you spend $4,500 in the first 90 days of account opening.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, Return Guarantees, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Travel Accident Insurance, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit

Rewards

1x points
On all other eligible purchases
1x point on all other purchases
3x points
Select Categories
3x points on purchases made with a mobile wallet (Apple Pay, Google Pay, Samsung Pay)
3x points
Travel
3x points on eligible purchases from merchants who classify their business as a travel category (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies)
5x points
Hotels
5x points on prepaid hotels booked directly in the Altitude Rewards Center
5x points
Rental Cars
5x points on car rentals booked directly in the Altitude Rewards Center

Interest Rates & Fees

Annual Fee$400
Foreign Transaction FeeNone
Regular APR22.24% - 29.24% (V) APR

Insurance

Trip Delay Insurance

When you purchase your airline ticket with your covered U.S. Bank Altitude® Reserve Visa Infinite® Card and your flight is delayed by more than six hours or requires an overnight stay, Trip Delay kicks in. This benefit will reimburse you for the reasonable expenses that you incur as a result of that delay ($500 maximum per ticket). This coverage is in place even if the delay is due to bad weather or equipment failure. And, this benefit works in addition to any airline vouchers you may receive for food or hotels. Be sure to pay for your fare with your covered U.S. Bank Altitude Reserve Visa Infinite Card and remember to save your receipts – you’ll need them when filing your claim.

Trip Cancellation and Interruption Insurance

When you purchase your travel ticket with your covered U.S. Bank Altitude® Reserve Visa Infinite® Card and you must cancel or interrupt your trip, this benefit can help reimburse you for the non-refundable cost of your passenger fare. This coverage applies to more than air travel – it also can be in place when you have used your covered U.S. Bank Altitude Reserve Visa Infinite Card to purchase your ticket for travel via other forms of eligible transportation, such as a ferry, train, bus or cruise ship. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling. The Plan Administrator will ask for verification by a physician. See the FAQs below for examples of non-covered reasons. This benefit will also cover you if your trip is cancelled or interrupted as the result of default of the common carrier (e.g., airline, cruise ship, ferry) resulting from financial insolvency. To ask a question or assistance with the claims process, please contact the Plan Administrator at 1-800-261-3511 (Monday – Friday, 9 a.m. – 5 p.m. ET).

Extended Warranty

Extend your warranty’s time period when you use your covered U.S. Bank Altitude® Reserve Visa Infinite® Card for your purchase. Extended Warranty Protection will extend the time period of coverage to your existing U.S. manufacturer’s warranty by one additional year on eligible warranties of three years or less. There is a per claim maximum of $10,000 and a per cardmember maximum of $50,000.

Return Protection

Use your covered U.S. Bank Altitude® Reserve Visa Infinite® Card and get extra return protection any time you make an eligible purchase of an item up to $300.00. If within 90 days you become dissatisfied with your purchase and the merchant will not accept your return, Return Protection is there to help.

Purchase Protection

When you use your U.S. Bank Altitude® Reserve Visa Infinite® Card and your purchase is stolen or damaged within the first 90 days from the date of purchase, Purchase Security can replace, repair or reimburse the item up to $10,000 maximum per claim and $50,000 maximum per cardmember.  Keep in mind that if your item is stolen, you must file a police report within 48 hours of becoming aware of the theft.

Lost Baggage Insurance

When you use your covered U.S. Bank Altitude® Reserve Visa Infinite® Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event it is lost due to theft or misdirection by the airline $3,000 per trip maximum; (if you live in New York, the maximum is $2,000 per bag). This coverage applies to more than air travel – it also can be in place when you have used your covered U.S. Bank Altitude® Reserve Visa Infinite® Card to purchase your ticket for travel via other eligible forms of transportation, such as a ferry, cruise ship, train or bus. Be sure to fill out a lost luggage report with the common carrier immediately. You will need this information when filing a claim.

What Credit Score Is Required to Get the U.S. Bank Altitude® Reserve Visa Infinite® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 715

Average Approved Credit Score: 768

App StatusDateCredit ScoreBureauCredit Limit
Approved08/25/2022
743
TransUnion
$10,000
Approved08/25/2022
753
Experian
$10,000
Approved08/25/2022
799
Equifax
$10,000
Approved10/07/2022
828
TransUnion
$20,000
Approved12/17/2021
715
TransUnion
$10,000
Approved12/17/2021
771
Experian
$10,000
Approved01/30/2023
747
Experian
$15,000
Approved03/13/2019
799
TransUnion
$25,000
Approved01/30/2024
760
Not Provided
$10,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points
Cons
  • Annual fee
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

Chase Sapphire Reserve®
Chase Sapphire Reserve®

Rating

4.9

Rewards Range

1x - 10x

Annual Fee

$550

The Platinum Card® from American Express
The Platinum Card® from American Express

Rating

4.5

Rewards Range

1x - 5x points

Annual Fee

$695

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